Federal credit union · WHITE PLAINS, New York · NCUA charter #21231
Scf Westchester N. Y. Employees
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $1.7M
- Total assets
- 368
- Members
- 22.7%
- Net-worth ratio
Scf Westchester N. Y. Employees scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.7M; members 368; net-worth ratio 22.70%; health rank #4,218 of 4,374; healthier than 3rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,218 of 4,374 health · 2025Q4Scf Westchester N. Y. · health 53/100 · $1.7M · 2025Q4
- DELQ 53/100
- ROA 22.7%
- ASSETS 4.80%
- MEM -0.07%
- RANK $1.7M
- PHOTO 368
- BOOK #4,218/4,374
- CHARTER n/a
- NCUSIF 21231
Call Report peers
Scf Westchester N. Y. Employees carries $1.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Scf Westchester N. Y. Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
53 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Scf Westchester N. Y. Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #21231 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Scf Westchester N. Y. Employees diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 34.36% here, 52.70% peer average (-18.34 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Scf Westchester N. Y. Employees sits in New York
- New York health ordinal: #260 of 272.
- Assets rank #246 of 272 inside New York ($1.7M reported).
- Membership ranks #245 of 272 among New York CUs with a reported count (368 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Scf Westchester N. Y. Employees: 2025Q4 → 2026Q1
Scf Westchester N. Y. Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -7.6% from $1.7M (2025Q4) to $1.6M (2026Q1).
- Net-worth ratio shifted +1.94 pp (20.76% → 22.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 22.70% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 53/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 3.9 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 9.4 pts
Scf Westchester N. Y. Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.70% | -0.23 pp |
| Delinquency Rate | 4.80% | +0.32 pp |
| Return on Assets | -0.07% | -0.29 pp |
| Member Growth | 0.55% | - |
| Loan-to-Share Ratio | 34.36% | -18.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Scf Westchester N. Y. filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.6M | - |
| 2025Q4 | $1.7M | 368 |
| 2024Q4 | $1.6M | 366 |
| 2023Q4 | $1.7M | 333 |
Credit Union Details
- Charter Number
- 21231
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- New York
- City
- WHITE PLAINS
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Scf Westchester N. Y. Employees, spread across 2 cities.
| Office | City |
|---|---|
| Credit Union Office (Main Office) | White Plains, NY |
| Yonkers Federal Employees CU | Yonkers, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
- SLOAN PUBLIC SCHOOLSCheektowaga, NY · Under $2M87Health
- BYKOTABrooklyn, NY · Under $2M27Health
- LATVIANMELVILLE, NY · Under $2M78Health
- ST. PHILIP'S CHURCHNew York, NY · Under $2M57Health
- HARRISON TEACHERSHARRISON, NY · Under $2M43Health
Compare Scf Westchester N. Y. Employees vs SLOAN PUBLIC SCHOOLS
Cross-state Call Report peers for Scf Westchester N. Y.
Scf Westchester N. Y. Employees's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
Using this data
- Scf Westchester N. Y. Employees ranks #4,218 of 4,374 nationally on financial health and #260 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sloan Public Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sloan Public Schools
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Scf Westchester N. Y. Employees financially healthy?
Scf Westchester N. Y. Employees scores 53/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,218 of 4,374; by total assets it ranks #4,164 of 4,374 nationally (same basis as /rankings/largest); and #246 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.70% net worth ratio and a 4.80% delinquency rate.
How does Scf Westchester N. Y. Employees compare to other credit unions?
53/100 is Scf Westchester N. Y. Employees's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Scf Westchester N. Y. Employees?
Scf Westchester N. Y. Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Scf Westchester N. Y. Employees directly to confirm current membership steps.
Is my money safe at Scf Westchester N. Y. Employees?
Federal credit unions like Scf Westchester N. Y. Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Scf Westchester N. Y. Employees's net worth ratio of 22.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Scf Westchester N. Y. Employees offer compared to banks?
Credit unions like Scf Westchester N. Y. Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Scf Westchester N. Y. Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.